UTI RETIREMENT BENEFIT PENSION FUND

Retirement Fund | An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age(whichever is earlier). | Data as on 30 November 2021

Investment Objective
The investment objective of the scheme is primarily to generate a corpus to provide for pension in the form of periodical income / cash flow to the unit holders to the extent of redemption value of their holding after the age of 58 years by investing in a mix of securities comprising of debt & money market instruments and equity & equity related instruments.
However, there is no assurance or guarantee that the investment objective of the Scheme would be achieved.
Inception Date
26th December, 1994
Fund Manager
Mr. V Srivatsa - B.Com., PGDM (IIM-I), CA & ICWA (Equity
Portion) Mr. Sunil Madhukar Patil , M.com.,MFM (Debt portion)
Fund AUM
Fund size monthly average : 3638.97 Crore
Closing AUM : 3573.08 Crore
High/Low NAV in the month
High Growth Option : 34.9088
Low Growth Option : 33.9314
Total expense ratio (%)
Regular : 1.99
Direct : 1.07
Minimum Investment Amount
Minimum amount of each investment is 500/- (purchase value). There is no upper limit.
Plans/Options (Regular / Direct)
Growth Option
No. of Unit Holding Accounts 21,06,251
Portfolio Parameters Weighted Average Maturity : 5.51 yrs
Yield to Maturity : 5.66%
Modified Duration : 3.77 yrs
Market Capitalisation (%)
Large
Mid
Small
Fund
67
18
15
Load Structure
Entry Load : Nil
Exit Load : Nil
An open ended retirement solution oriented scheme having a lock in of 5 years from the date of allotment of units or till retirement age (whichever is earlier)
NAV per unit as on 30th November, 2021
Regular Growth Option 33.9401
Direct Growth Option 35.7584
Options Available
SWP Options & SIP
Benchmark Index
CRISIL Short Term Debt Hybrid 60+40 Fund Index
SIP/SWP/STRIP Digital Factsheet - Checkbox Image
Fund Size 3638.97 Crore (Monthly Average as on 30/11/2021)
UTI Retirement Benefit Pension Fund - Bonus Declared
Year
IDCW 
Per unt
NAV (Cum Div )
Face Value (per unit)
NAV Date
Record Date
2007
01:10
19.3365
10.00
30-03-2007
05-04-2007
2009
01:10
21.1539
10.00
19-05-2009
26-05-2009
2010
01:05
22.1851
10.00
31-03-2010
07-04-2010
2011
01:10
19.8899
10.00
25-04-2011
02-05-2011
2012
01:10
18.0822
10.00
13-06-2012
20-06-2012
2013
01:10
18.4373
10.00
23-05-2013
30-05-2013
2014
01:10
19.9371
10.00
25-08-2014
01-09-2014

The scheme IDCW details under regular plan.
Disclaimer: Pursuant to payment of Dividend/Bonus, the Nav of the income distribution cum capital withdrawal options of the schemes would fall to the extent of payout and statutory levy (if applicable)

Portfolio
% of Nav
Rating
Equity
HDFC Bank Ltd.
2.68
ICICI Bank Ltd
2.66
Larsen & Toubro Ltd.
2.17
HDFC Ltd.
2.06
State Bank Of India
2.02
ITC Ltd.
1.97
Infosys Ltd.
1.87
Bharti Airtel Ltd.
1.80
Reliance Industries Ltd.
1.12
Axis Bank Ltd.
1.10
Tata Motors Ltd.
1.03
Wipro Ltd.
0.85
HCL Technologies Ltd.
0.82
Mahindra & Mahindra Ltd.
0.78
Dr Reddy's Laboratories Ltd.
0.70
Others
15.17
Govt Securities
Others
14.16
6.45% GSEC MAT - 07/10/2029
6.37
SOV
8.20% G SEC MATURING ON 15.02.2022
2.82
SOV
5.22% GS 15/06/2025
2.79
SOV
GOI FRB - MAT 22/09/2033
2.68
SOV
8.25% MH SDL- 13/05/2025
2.27
SOV
Long Term Debt
EXIM Bank
2.49
CRISIL AAA
National  Bank For Agriculture & Rural Development
2.14
ICRA AAA
REC Ltd
2.13
CRISIL AAA
Food Corporation Of India
2.12
CRISIL AAA(CE)
HDFC Ltd.
2.11
CRISIL AAA
State Bank Of India
1.43
CRISIL AA+
Union Bank Of India
1.42
CRISIL AA+
Power Finance Corporation Ltd.
1.40
CRISIL AAA
State Bank Of India
1.37
CRISIL AAA
L&T Finance Ltd.
1.01
CRISIL AAA
Others
5.98
Net Current assets
6.50
Total
100.00

Top 10 scrips in the portfolio

Median Market Cap ( Cr) 
2,54,030
Weighted Average Market Cap 
3,00,469
Number of Securities 
60
All figures given are provisional and unaudited.
Quantitative Indicators
Fund
Benchmark
Beta
0.97
1
Standard Deviation (Annual)
8.51%
8.27%
Sharpe ratio
0.74%
Portfolio Turnover Ratio (Annual)
0.44
Fund Performance Vs Benchmark (CAGR) as on 30th November, 2021 Growth of 10000
Period
NAV Growth (%)
CRISIL Short Term
Debt Hybrid 60+40
Fund Index (%)
Nifty 50 (%)
NAV Growth 
()
CRISIL Short Term
Debt Hybrid 60+40
Fund Index ()
Nifty 50 ()
1 Year
21.50
16.48
32.49
12,150
11,648
13,249
3 Years
9.67
13.03
17.38
13,194
14,445
16,180
5 Years
8.45
11.72
17.04
15,005
17,410
21,971
Since inception*
10.60
NA
NA
151,047
NA
NA

Different plans have a different expense structure. The performance details provided herein are of regular plan.
*Compounded annualized Growth Rate.
The current fund manager is managing the scheme since Dec 2006
For performance details of other Schemes managed by the Fund Manager, please refer the respective Scheme sheets as listed in Please click here in ‘Fund Manager Summary’. N.A - Not Available. Schemes Managed by Mr. Amandeep S. Chopra & Mr. V Srivatsa.

Period
Investment Amount ()
Value- Fund ()
CRISIL Short Term
Debt Hybrid 60+40
Fund Index ()
Nifty 50
()
Yield (%) Fund
Yield (%) CRISIL Short Term
Debt Hybrid 60+40
Fund Index
Yield (%)
Nifty 50
1 Year
120,000
130,820
128,133
133,973
17.15
12.82
22.30
3 Years
360,000
452,166
451,855
513,194
15.39
15.34
24.45
5 Years
600,000
778,312
824,346
944,147
10.35
12.67
18.19
7 Years
840,000
1,177,327
1,277,025
1,478,007
9.49
11.76
15.86
10 Years
1,200,000
1,990,056
2,198,679
2,624,023
9.77
11.65
14.95
15 Years
1,800,000
3,831,601
4,322,340
5,236,941
9.44
10.87
13.11
Since inception
2,040,000
4,846,031
5,590,984
7,160,468
9.42
10.88
13.37

Note: Systematic Investment Plan (SIP) returns are worked out assuming investment of 10,000/- every month at NAV per unit of the scheme as on the first working day for the respective time periods. The loads have not been taken into account. Past performance may or may not be sustained in future.

*Investors should consult their Mutual Fund Distributor if in doubt about whether the product is suitable for them.:

  • Long Term Capital Appreciation
  • Investment in equity instruments (maximum-40%) and debt/ Money market Instruments

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

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